Bar Harbor Bankshares is the parent company of Bar Harbor Bank & Trust, a community bank operating across Maine, New Hampshire, and Vermont through more than 60 branch locations. The bank's core business is traditional: it takes in deposits and lends them out at higher rates, earning a spread. The loan book totals roughly $3.6B, with commercial real estate making up about 57% of loans, residential real estate at ~30%, and commercial & industrial loans at ~9%. The commercial portfolio reflects the tourism-heavy regional economy, with heavy exposure to real estate and rental, accommodation and food services, and healthcare. Bar Harbor funds its loans primarily through retail deposits, about 83% of which are interest-bearing. Beyond core banking, Bar Harbor operates a wealth management subsidiary, Bar Harbor Wealth Management, which provides trust and estate administration, investment management, and 401(k) services on $3.0B in AUM. The bank also runs a modest retail brokerage business through a third-party broker-dealer. Bar Harbor positions itself as a relationship-focused community bank — offering the product breadth of a larger institution with local decision-making — targeting customers who feel underserved by national banks but want more than the smallest local banks can offer.